Preparing for Bankruptcy

Get ready to file for Bankruptcy

When you are preparing to file a bankruptcy, whether it be a Chapter 7 or a Chapter 13, staying organized will be the key to making the process run a lot smoother for you. If you are unable to provide your attorney the required documentation, your case cannot be properly prepared and filed with the Bankruptcy Court. This will cause delays to your case and depending on your personal situation, you might not be able to afford any delays. For example, if you have a wage garnishment in place or a home set to be foreclosed, every day that is wasted is a day closer to your wages being taken from you or your home being sold.

At Sacramento Bankruptcy Lawyer, we make this preparation process as easy and streamlined as possible for our clients. After many years of working with all of the local bankruptcy trustees that are appointed to each case and their specific requirements, we have developed a well-crafted bankruptcy packet that will be provided to you upon retaining our office that walks you through the document gathering process. Going through our bankruptcy packet step-by-step and following our guidelines will ensure that you timely gather all of the documents and get your case filed without any hiccups.

However, the first step for all clients should always be to contact a knowledgeable bankruptcy attorney and set up a consultation. Here at Sacramento Bankruptcy Lawyer, we offer FREE consultations that can be done either over-the-phone or in-person. At the consultation, we will examine your particular case and tailor the bankruptcy packet specifically for you and walk you through exactly what needs to be done.

What Documents Are Needed?

As mentioned above, the document checklist that you will follow for your bankruptcy will be specifically tailored for you. However, it is still good to have a general understanding of the documents that you could potentially need to gather and provide our office.

Income Documentation

One of the most important pieces of information that all bankruptcy filers must gather in order to file for bankruptcy relief is proof of their income. Not only will the proof of income assist in determining whether you will be filing for Chapter 7 or Chapter 13, it is also required by the bankruptcy code to complete three different sections of your bankruptcy filing.

On Schedule I of your bankruptcy filing, you will be projecting your income looking into the future. If you’re filing a Chapter 7, this will help in showing the Court, the trustee, and the creditors that you owe money to that you do not have enough money to pay your liabilities and thus need the benefits of a bankruptcy discharge to be able to sustain your necessities.

Moreover, debtors are required to disclose all of their income for the current year and the prior 2 years on the Statement of Financial Affairs. Tax returns can generally be used to show the prior two years but to show the current year’s income, current proof of income will be needed.

Finally, bankruptcy filers must complete what is commonly referred to as the Means Test. To complete the Means Test, your attorney will need a complete picture of the prior 6 months of income. This income will be plugged into the Means Test and will assist in determining whether you will be filing a Chapter 7 or Chapter 13.

Thus, to accomplish the income requirements for your bankruptcy case, you will need to provide proof of the prior 6 months of income. This includes paystubs, profit and loss statements, and copies of retirement, annuity, pension, or social security statements showing what you receive each month. Bank statements will not suffice.

Tax Returns

Debtors filing for bankruptcy relief must provide their attorney the last 2 tax returns that they have filed. A stricter rule is required by Chapter 13 filers in that debtors must have filed all tax returns required to be filed in the prior 4 years, even though only the last 2 are required to be provided.

Tax returns are a great way to show the Court, trustee, and creditors what your income has been for the past couple years.

Debt

The main reason people want and need to file for bankruptcy relief is because they are overwhelmed with debt and are looking for a fresh start. Therefore, it should be no surprise that you will need to provide your attorney a complete list of everyone you owe money to. This includes credit cards, personal loans, online loans, car loans, home loans, payday loans, title loans, medical bills, student loans, taxes, etc.

Your bankruptcy packet that our office provides will give you a website where you can generally access a free credit report. Credit reports are a great place to start. However, credit reports aren’t guaranteed to have all of your creditors listed. Therefore, we always recommend that debtors also gather statements from any creditor that money is owed to in addition to the credit report.

Financial Documents

The Bankruptcy Court requires that you list on your bankruptcy schedules any active financial account that you have. This includes, but is not limited to, savings accounts, checking accounts, 401K accounts, IRA accounts, pension accounts, and life insurance policies.

Regardless if your life insurance policy has a cash value or whether it be through your employer or not, you still need to provide proof of the policy and the death benefit amount. If the policy is a whole policy, we also need to see the current cash surrender value. For your retirement accounts, you will need to provide a recent statement showing what the current balance is in the account. Finally, for your checking and savings accounts, we will need to see 6 months of statements for each and every active account.

What Should I Do Next?

If you are interested in learning more about the bankruptcy process, contact Sacramento Bankruptcy Lawyer, by calling 916-800-7690 or by sending us a message online, and set up your FREE no-hassle consultation with Bankruptcy Attorney Pauldeep Bains. Mr. Bains will analyze your situation with you personally and provide you a complete list of documents that you will need in order to file your case.

Free Consultation

Here at Sacramento Bankruptcy Lawyer, we set ourselves apart from other firms because we provide direct client to attorney contact from the initial consultation all the way through the discharge in your particular case. We will not pawn your case off to a staff member at any point through the process. When you call Sacramento Bankruptcy Lawyer, you WILL speak with local Sacramento Bankruptcy Lawyer Pauldeep Bains. Please call Sacramento Bankruptcy Lawyer ASAP at 916-800-7690 to schedule your FREE in-person or phone consultation with Pauldeep Bains and let Sacramento Bankruptcy Lawyer begin getting you the fresh start that you deserve.

Testimonials

Mr. Bains represented me during my Chapter 13 bankruptcy. He answered all my questions and was very patient with me. I felt that he really cared about me and he always showed kindness and respect toward me. I was kept informed as to what was happening and what to expect during the entire process. He is very knowledgeable about the law. I would highly...

Just the best. Mr. Bains' is very professional and makes sure to take care of everything, from initial filing to court appearance, to discharge. Very easy to get a hold of with questions and taking care of necessary paper work.

Paul was easy to work with. Although, there were times I had to track him down through emails or phone calls, for the most part he would always get back to me. He always kept it professional and handled my case in a timely manner. It was a pleasure working with Paul. I would definitely recommend him to anyone... like the OPPOSITE of that old saying...

If you need a lawyer, I recommend Paul Bains. He is with you every step of the process. He returns calls and emails promptly. He is relentless on getting your issues solved. He is very knowledgeable and personable and gets the job done. I feel that if I called Paul three years later with a problem that he would be there to help me. Paul is not your...

After voluntarily surrendering my car last year, there was still a high balance remaining that I or the other person on the loan would have to pay after it was sold in an auction. I did not have the money, nor did I want to pay for a car I no longer own, to pay off that remaining balance. After researching Sacramento bankruptcy lawyers, I found Mr....

I had the pleasure to have Paul Bains managed my case. In the free consult he explained my options and the steps of my case, what documents were needed and how to fill out information. Explained the payment options he had according to the case and filling fees. Always answer all my questions either in person, phone or email according to how I reached...

Paul was the first attorney that I consulted when I decided to file bankruptcy and he was the only one! I knew right off the bat that he was the attorney that I wanted to work with. He made me feel comfortable and as if I was in very capable hands. He was no nonsense, right to the point, answered all questions quickly and got things going immediately....

Paul is the first and last person you should hire, if considering bankruptcy. I had a huge weight lifted off my shoulders, when hiring Paul as my attorney. I got myself in debt with medical bills, moving, job loss, being on SSI, etc. and I felt I would never catch up on any of my bills, because $2 or so went to the principal, and the rest went towards...

Paul was very kind and understanding during my bankruptcy. He also did a fantastic job explaining every step of this process in terms that I could easily understand. If your considering filing, I'd highly recommend his firm.

Paul is extremely well-versed in his field, and it shows in the quality of his work! My experience with Paul was very quick and painless. He takes the time to explain everything thoroughly, prepare you for each step in the process, and he makes himself extremely accessible to answer questions or address any concerns you may have. If you are even just...

Paul was great! He is very knowledgeable and cares about his clients. He understand and hear without judgement. He responds to emails and phone calls right away. I would highly recommend him for those need advice. Thanks, Paul.

Paul was very professional and cordial. He advised about the best option and solution to resolve the issue at hand. Paul too time to explain everything and made me feel comfortable. The actual process was smooth, quick, and painless.
I would recommended Paul to anyone looking to take the leap and straighten out their fiscal challenges!

Paul is a great guy that takes the time to explain everything and makes you feel comfortable. The process was smooth, quick, and painless.
We absolutely recommended him to anyone looking to take the leap and straighten out their finances!

I was in a situation no one wants to be in and Paul understood and made me feel comfortable when we first met. He kept me updated during the whole process. He was knowledgeable and available at any time. I would absolutely recommend him to anyone who finds themselves in need of an attorney. Thanks Paul!!

Paul made me feel so comfortable. This wasn't a easy decision to file for bankruptcy. I have health issues so its been a relief to have this done. Less stress the better. Thank you paul your the best. Sandy.

Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring person that walked my husband and I through the whole process anytime I had a question or needed...

I was dealt a bad hand, with debt that just kept piling. Not to mention being served with wage garnishment. Terrified, I called so many different bankruptcy lawyers, I lost count. Paul was the one that stood out in the back of my mind. When I talked to him, he seemed very empathetic. He took me step by step and laid out all the information for me. So...

Paul is the person to go to when you are looking to file bankruptcy! He took the time out to talk with me to make sure this was the right decision for me and if I would qualify for the correct chapter. He answered all the questions I had Day and night. He was available when I had the most ridiculous questions. He made me feel sure and comfortable...

I found Paul via Yelp and saw all the great reviews. I'm always so skeptical when a business has nothing but awesome reviews, but there is truly a reason why you can't find anything bad about this guy! Super professional, very responsive, answers every question no matter how "dumb" it may be, and makes you feel very comfortable and at ease about going...

I did my homework and decided Paul would be the best choice for me. I have NO regrets! I had many questions along the way and Paul answered everyone of them, if I emailed him (which I did ALL the time) he always responded, if I called he always called me back. He was professional and informative, not to mention kind. He has a natural confident manner...

Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring person that walked my husband and I through the whole process anytime I had a question or needed...

I needed assistance with a bankruptcy issue and I was referred to Paul Bains by another attorney.
I was so relieved after meeting with him. Paul is so knowledgeable in his field and was able to answer every question I had.
I would recommend contacting Paul to anyone that needs help on this area. I know if I am ever faced with a similar issue I...

Paul is not only an outstanding attorney but also an honest, open and caring person. When I found myself in the unfortunate situation of having to file bankruptcy, I also found myself experiencing a great deal of shame and despair. Obviously, I was not at a high point in life financially; I had been hit hard by the recession/lack of work and some...

As a financial consultant, I've dealt with Paul on numerous occasions. As always, Paul was/is there to guide me through the "bankruptcy laws" in order for me to serve my clients better.
I highly recommend Paul and his expertise in Bankruptcy Law or any other legal services. One word that sums him up is: GENUINE. He ACTUALLY cares.

It's with great certainty that I say Paul is the best attorney I've had the honor of representing me. When the unfamiliarity of bankruptcy law mix with personal financial stresses you find yourself in a situation where you need all the help you can get, yet difficult to establish trust in others. Paul was the package solution to both problems. His...

Not only is Paul a highly competent lawyer but a great person as well. My case was very complicated and Paul provided honest and accurate information along the way. He took a load off my shoulder and I am so grateful for his support. I would introduce any one of my friends or family members to Paul in confidence that they too are working with the...

Mr. Bains is an exceptional attorney with a strong foundation in bankruptcy law. He understands filing for bankruptcy is one of the most difficult decisions one will make in their lifetime. Given that, he takes the time to inform each client of their legal rights and recommends a tailored plan to ease the process. Should you find yourself...

I am definitely happy that I chose Paul Bains at Sacramento Bankruptcy Lawyer to represent my family in a legal matter. He kept me informed every step of the way, and made us feel really comfortable with the entire process. I will continue to recommend Paul Bains to all of my family and friends.

Paul is by far the best attorney I've ever met. I had some things come up in my life and had no other option but to file bankruptcy. Paul was very patient with me and listened empathizing with me during my whole ordeal. I got really anxious during court and his kind words of encouragement got me through the hearing. It's been 2 years since my bk was...

As a practicing attorney in another area of law, I often come across clients in need of Bankruptcy services. In every case I have referred them to Mr. Bains. Just recently, the clients I referred were facing imminent foreclosure proceedings, but he was able to halt the process and keep a roof over their heads. He provided a financial plan to get...

I cannot recommend Paul Bains enough. Not only does he possess extensive legal knowledge, but he will always go that extra mile to ensure his services exceed my expectations. Truly goes above and beyond. He is very professional, yet very personable. I've recommended his services to my family and friends, and will continue to do so. Thank you Paul...

Mr. Bains always provides us with clarity, thoroughness and has vast legal knowledge. His sense of humor helps to ease being in a law office, and makes you feel comfortable. Have used Sacramento Bankruptcy Lawyer on a few occasions and have used Mr. Bains for past few years for different cases for clients. He is very compassionate and takes his time...

I have referred individuals over to Paul over the years and he has handled them all with first class service. He has a wealth of knowledge that he is able to apply to the variety of scenarios I send him. He has been a great resource for me and I definitely plan on using his services in the future.

Paul is extremely knowledgeable about bankruptcy laws and very well respected in the legal community in Northern California. He has helped many clients with Chapter 7, Chapter 11 and Chapter 13 bankruptcy issues. He cares deeply about his client’s needs and goals and will stop at nothing to ensure that those needs are met. He would be the first...

My wife and I took a chance back in 2015 in hiring Paul as our Attorney through another Law Firm. We were searching the internet for a local Bankruptcy Attorney in the area. We did as much homework as possible related to our internet search. Also, did a little reading regarding the Bankruptcy process. However, time was not on our side. Our house...

I had Paul as my Bankruptcy attorney and was great he knew how to make it all work so that I wouldn't have any issues. He is very knowledgeable and truly cares. I would definitely refer him to anyone looking into going through the bankruptcy process since he made it so easy.

Paul Bains was a great attorney. He explained everything to me from beginning to end and discussed all my options before we started the case. I recommend anyone to Paul if they want a good experience!!

I highly recommend Paul Bains to anyone who's considering Bankruptcy. He's very knowledgeable of Bankruptcy laws and he made it very comfortable for me during this time. He kept me inform every step of the way via e-mail and phone calls. I was very nervous when I was in court, he calmed me down with his encouraging words and explained exactly the...

You do not have to look any further for legal help! I have done business with Paul for several years now. He will walk you through the entire process and respond to any questions you have right away. Paul will make you feel comfortable about any situation you are in and relieve any stress you have because he will get it done. He is affordable,...

Paul Bains is a tenacious and knowledgeable lawyer. He has extensive experience with bankruptcy laws and knows how to navigate through the laws to achieve the best results for his clients. I have referred clients to the Sacramento Bankruptcy Lawyer team and I highly recommend them to anyone who needs a great lawyer.

Mr. Bains possesses the legal knowledge, skills, communication and experience needed to effectively and efficiently serve his clients. I have referred several clients to Mr. Bains, each of whom have been satisfied with his ability to achieve their individual needs, but also his ability to listen and communicate (two aspects that are often lacking...

Mr. Bains has been an extraordinary attorney. My husband and I are very grateful to have him represent us. Mr. Bains has allowed us to handle this stressful situation with dignity and recover from our financial crisis. Mr. Bains has handled our case with clear and constant communication, professionalism, helpfulness, and has been very personable.

Paul Bains RESPONDS to phone calls, emails and text. You are NOT just another number, or client in the data base - he is personal, caring, and gives attention to detail. Since I had to go through this, I am most certainly glad that I had Paul in my corner. I will always say that he is THE BEST at what he does, thanks Paul.

Paul was very understanding of my financial situation. He helped calm my nerves during the hearing as I suffer from anxiety. Thank you so much for all you've done!!! I definitely will refer anyone requiring your assistance in the future.

My wife and I owed over $1,000,000.00 to various creditors. Mr. Bains was the best! He worked around our crazy schedule and was always available to answer any questions we had. Mr. Bains was unlike other attorneys who I’ve dealt with in the past who are just after the money. I’ve referred other people to him and will continue to do so!!!

We were about to lose our home. My wife and I were extremely stressed and did know what to do. After speaking with Paul, we both felt a sense of relief that we hadn’t in months. He explained to us the process of Chapter 13 and was very patient in doing so. Paul saved our home and we are forever thankful for all his efforts!

Testimonials

I have referred individuals over to Paul over the years and he has handled them all with first class service. He has a wealth of knowledge that he is able to apply to the variety of scenarios I send him. He has been a great resource for me and I...

Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring...

After voluntarily surrendering my car last year, there was still a high balance remaining that I or the other person on the loan would have to pay after it was sold in an auction. I did not have the money, nor did I want to pay for a car I no longer...

I had Paul as my Bankruptcy attorney and was great he knew how to make it all work so that I wouldn't have any issues. He is very knowledgeable and truly cares. I would definitely refer him to anyone looking into going through the bankruptcy process...

Paul was very kind and understanding during my bankruptcy. He also did a fantastic job explaining every step of this process in terms that I could easily understand. If your considering filing, I'd highly recommend his firm.

Mr. Bains has been an extraordinary attorney. My husband and I are very grateful to have him represent us. Mr. Bains has allowed us to handle this stressful situation with dignity and recover from our financial crisis. Mr. Bains has handled our case...

Paul is the person to go to when you are looking to file bankruptcy! He took the time out to talk with me to make sure this was the right decision for me and if I would qualify for the correct chapter. He answered all the questions I had Day and night....

You do not have to look any further for legal help! I have done business with Paul for several years now. He will walk you through the entire process and respond to any questions you have right away. Paul will make you feel comfortable about any...

Paul was great! He is very knowledgeable and cares about his clients. He understand and hear without judgement. He responds to emails and phone calls right away. I would highly recommend him for those need advice. Thanks, Paul.

Paul was easy to work with. Although, there were times I had to track him down through emails or phone calls, for the most part he would always get back to me. He always kept it professional and handled my case in a timely manner. It was a pleasure...

Paul Bains RESPONDS to phone calls, emails and text. You are NOT just another number, or client in the data base - he is personal, caring, and gives attention to detail. Since I had to go through this, I am most certainly glad that I had Paul in my...

Paul Bains was a great attorney. He explained everything to me from beginning to end and discussed all my options before we started the case. I recommend anyone to Paul if they want a good experience!!

Paul was very professional and cordial. He advised about the best option and solution to resolve the issue at hand. Paul too time to explain everything and made me feel comfortable. The actual process was smooth, quick, and painless.
I would...

Paul is the first and last person you should hire, if considering bankruptcy. I had a huge weight lifted off my shoulders, when hiring Paul as my attorney. I got myself in debt with medical bills, moving, job loss, being on SSI, etc. and I felt I would...

Mr. Bains represented me during my Chapter 13 bankruptcy. He answered all my questions and was very patient with me. I felt that he really cared about me and he always showed kindness and respect toward me. I was kept informed as to what was happening...

We were about to lose our home. My wife and I were extremely stressed and did know what to do. After speaking with Paul, we both felt a sense of relief that we hadn’t in months. He explained to us the process of Chapter 13 and was very patient in doing...

Paul was the first attorney that I consulted when I decided to file bankruptcy and he was the only one! I knew right off the bat that he was the attorney that I wanted to work with. He made me feel comfortable and as if I was in very capable hands. He...

Paul is extremely knowledgeable about bankruptcy laws and very well respected in the legal community in Northern California. He has helped many clients with Chapter 7, Chapter 11 and Chapter 13 bankruptcy issues. He cares deeply about his client’s...

My wife and I owed over $1,000,000.00 to various creditors. Mr. Bains was the best! He worked around our crazy schedule and was always available to answer any questions we had. Mr. Bains was unlike other attorneys who I’ve dealt with in the past who are...

Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring...

Paul is not only an outstanding attorney but also an honest, open and caring person. When I found myself in the unfortunate situation of having to file bankruptcy, I also found myself experiencing a great deal of shame and despair. Obviously, I was not...

I was dealt a bad hand, with debt that just kept piling. Not to mention being served with wage garnishment. Terrified, I called so many different bankruptcy lawyers, I lost count. Paul was the one that stood out in the back of my mind. When I talked to...

Paul is by far the best attorney I've ever met. I had some things come up in my life and had no other option but to file bankruptcy. Paul was very patient with me and listened empathizing with me during my whole ordeal. I got really anxious during court...

Paul was very understanding of my financial situation. He helped calm my nerves during the hearing as I suffer from anxiety. Thank you so much for all you've done!!! I definitely will refer anyone requiring your assistance in the future.

Paul is extremely well-versed in his field, and it shows in the quality of his work! My experience with Paul was very quick and painless. He takes the time to explain everything thoroughly, prepare you for each step in the process, and he makes himself...

I highly recommend Paul Bains to anyone who's considering Bankruptcy. He's very knowledgeable of Bankruptcy laws and he made it very comfortable for me during this time. He kept me inform every step of the way via e-mail and phone calls. I was very...

If you need a lawyer, I recommend Paul Bains. He is with you every step of the process. He returns calls and emails promptly. He is relentless on getting your issues solved. He is very knowledgeable and personable and gets the job done. I feel that if I...

I cannot recommend Paul Bains enough. Not only does he possess extensive legal knowledge, but he will always go that extra mile to ensure his services exceed my expectations. Truly goes above and beyond. He is very professional, yet very personable. ...

Paul is a great guy that takes the time to explain everything and makes you feel comfortable. The process was smooth, quick, and painless.
We absolutely recommended him to anyone looking to take the leap and straighten out their finances!

Not only is Paul a highly competent lawyer but a great person as well. My case was very complicated and Paul provided honest and accurate information along the way. He took a load off my shoulder and I am so grateful for his support. I would introduce...

My wife and I took a chance back in 2015 in hiring Paul as our Attorney through another Law Firm. We were searching the internet for a local Bankruptcy Attorney in the area. We did as much homework as possible related to our internet search. Also,...

It's with great certainty that I say Paul is the best attorney I've had the honor of representing me. When the unfamiliarity of bankruptcy law mix with personal financial stresses you find yourself in a situation where you need all the help you can...

I needed assistance with a bankruptcy issue and I was referred to Paul Bains by another attorney.
I was so relieved after meeting with him. Paul is so knowledgeable in his field and was able to answer every question I had.
I would recommend contacting...

Mr. Bains is an exceptional attorney with a strong foundation in bankruptcy law. He understands filing for bankruptcy is one of the most difficult decisions one will make in their lifetime. Given that, he takes the time to inform each client of their...

Paul made me feel so comfortable. This wasn't a easy decision to file for bankruptcy. I have health issues so its been a relief to have this done. Less stress the better. Thank you paul your the best. Sandy.

I am definitely happy that I chose Paul Bains at Sacramento Bankruptcy Lawyer to represent my family in a legal matter. He kept me informed every step of the way, and made us feel really comfortable with the entire process. I will continue to recommend...

Paul Bains is a tenacious and knowledgeable lawyer. He has extensive experience with bankruptcy laws and knows how to navigate through the laws to achieve the best results for his clients. I have referred clients to the Sacramento Bankruptcy Lawyer team...

Mr. Bains possesses the legal knowledge, skills, communication and experience needed to effectively and efficiently serve his clients. I have referred several clients to Mr. Bains, each of whom have been satisfied with his ability to achieve their...

I was in a situation no one wants to be in and Paul understood and made me feel comfortable when we first met. He kept me updated during the whole process. He was knowledgeable and available at any time. I would absolutely recommend him to anyone who...

Mr. Bains always provides us with clarity, thoroughness and has vast legal knowledge. His sense of humor helps to ease being in a law office, and makes you feel comfortable. Have used Sacramento Bankruptcy Lawyer on a few occasions and have used Mr....

I did my homework and decided Paul would be the best choice for me. I have NO regrets! I had many questions along the way and Paul answered everyone of them, if I emailed him (which I did ALL the time) he always responded, if I called he always called...

Just the best. Mr. Bains' is very professional and makes sure to take care of everything, from initial filing to court appearance, to discharge. Very easy to get a hold of with questions and taking care of necessary paper work.

As a financial consultant, I've dealt with Paul on numerous occasions. As always, Paul was/is there to guide me through the "bankruptcy laws" in order for me to serve my clients better.
I highly recommend Paul and his expertise in Bankruptcy Law or...

I had the pleasure to have Paul Bains managed my case. In the free consult he explained my options and the steps of my case, what documents were needed and how to fill out information. Explained the payment options he had according to the case and...

As a practicing attorney in another area of law, I often come across clients in need of Bankruptcy services. In every case I have referred them to Mr. Bains. Just recently, the clients I referred were facing imminent foreclosure proceedings, but he was...

I found Paul via Yelp and saw all the great reviews. I'm always so skeptical when a business has nothing but awesome reviews, but there is truly a reason why you can't find anything bad about this guy! Super professional, very responsive, answers every...

Sacramento Bankruptcy Lawyer, is a California licensed law firm. We are a debt relief agency and help people file for bankruptcy relief under the Bankruptcy Code. Prior results shown on this website in no way guarantee or attempt to predict a certain outcome. The information on this site is for general information only and does not create an attorney-client relationship.

Do not let another day go by without knowing your legal options. Contact Sacramento Bankruptcy Attorney today and you will hear from our highly qualified and knowledgeable attorney who looks forward to speaking with you at your earliest convenience.